The Credit Union has your best interest in mind with a checking account.  Choosing the right account can help you eliminate a monthly service fee, earn cash back and make it easy to manage your money. Alliance FCU offers a variety of checking accounts designed to meet your financial needs.

 All About Checking
Checking accounts are multiple transaction accounts that provide ready access to funds. All checking account holders have unlimited check writing privileges and no "per check" charge. Overdraft Protection can be provided from savings, credit cards or through a line of credit with certain eligibility requirements.

Deposits can be made to your account in person, by mail, night depository or through direct deposit. Transfers between accounts are handled in person, by mail, by CU Online or by telephone.
 

  Types of Checking Accounts
Personal Checking

Power Checking Accounts - Put a little power into your checking account! You must have direct deposit or payroll deposit into this account, otherwise the account will be converted to an Alliance Checking Account on the last day of the month and will be subject to all applicable fees and charges. Refer to the Rate and Fee Schedule. click here for more info...

Freedom Checking Accounts
Want a little freedom in your checking account? With a Freedom checking account there are no monthly fees, no minimum balance or limit on the total number of checks you write each month.

Alliance Checking Accounts
If you're looking for a basic checking account with unlimited check writing, Alliance Checking is a great option. Keep a $1000 minimum balance in your account and you won't pay the $5 monthly service charge.

Gold Star Club
If you are 60 or older, you qualify for our Gold Star Club. No fees on Money Orders or CU Checks. You receive 2 free boxes of AFCU custom checks per year.

 

Business Checking

Business Checking Accounts
Whether you’re a one-man show or a hundred-man operation, we have the checking account you need for your business. Contact a Financial Officer for more information.


 

Power Checking Freedom Checking Alliance Checking
Monthly Service Charge None None $5.00*
VISA Check Card Free + Cash Back Benefit Free Free
CU Online Banking Free Free Free
Online Billpayer Free $5.95/month $5.95/month
E-Statements Free - Required Free Free
Minimum Balance None None $1,000.00
Access 24/7 Free Free Free
Direct Deposit Required Not Required Not Required
Direct Deposit
Overdraft Fee
$28.00 per item $28.00 per item $28.00 per item
Per Check Fee None None None
Box of Checks 2 free boxes per year** as low as $17.10 per box as low as $17.10 per box
Pre-Authorized Payments Free Free Free
NSF Fee $32.00 $32.00 $32.00
Stop Payment Fee $20.00 per request $20.00 per request $20.00 per request
Negative Balance Fee $2.00 assessed daily $2.00 assessed daily $2.00 assessed daily
*Waived if minimum balance is maintained.
**AFCU Custom Checks Only.
 (Pre-Existing DBA Checking Accounts have a $10.00 monthly service charge are subject to same 
  fees as Alliance Checking).

Statement Disclosure

 

  Account Services
 


Direct Deposit Overdraft Protection
TOPS (Terrific Overdraft Protection Service) If you have been a member in good standing and have established Direct Deposit to your checking account, we will cover your overdrafts up to the amount of your direct deposit or to the maximum amount of $500.00, minus the applicable fees.

\Each item we pay instead of returning will have a NSF fee of $28.00. Participation in this program is automatic. Direct Deposit Overdraft Protection may be terminated at any time for abuse, or if the amount overdrawn regularly exceeds the overdraft limit. Regular overdraft protection from savings and other accounts will apply first.

 

Automatic Transfers
Save time and enjoy peace of mind. Automatic transfers are easy ways to make loan payments and move funds regularly between your various credit union accounts.

Automatic transfer choices:

Deductions from checking, regular savings, or premium money market savings accounts
Monthly or semi-monthly transfers of fixed amounts you designate
Automatic transfers are available on any day of the month
If the transfer date falls on a weekend or holiday, the transfer will take place the first business day thereafter.

How to sign up for automatic transfers:

Just print, complete and return the Automatic Transfer Authorization . Sign and return the form by mail or at any branch.

 

 
 

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Contact the Credit Union 
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Alliance Federal Credit Union 
PO Box 64970  Lubbock, TX 79464
 Phone 806.798.5554 / 800.687.4328
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Your savings federally insured to at least $250,000 and backed by the full faith & credit of the U.S. Government.
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